Credit Review Senior Officer I

Duties Assess the effectiveness of credit risk management, identify, monitor, and mitigate current and emerging credit risks, and oversee Banking and International Credit Review (BICR) entities through periodic full Risk Differentiated Reviews (RDR) and quarterly Business Monitoring reviews. Lead BICR reviews for assigned entity Global Debt Investment Securities (DIS) and other entities that could be assigned from the existing portfolio. Review transactions to analyze credit data, legal and corporate structures to determine whether the risk involved in extending credit or any other product type aligns with the bank’s risk appetite. Perform sovereign credit risk and cross‑border risk analysis to identify, monitor, and provide solutions to current and emerging credit risks across business lines. Assess the quality of assigned portfolios and relationships, evaluate emerging risks and the effectiveness of credit risk controls, and evaluate the quality and adequacy of credit analysis, exposure analysis, risk ratings, and classifications of corporate, commercial, and high‑net‑worth relationships. Meet with stakeholders to conduct business reviews, evaluate adequacy of business and risk staffing levels, prepare Credit Assessment Documents, Sample Rationale Documents, and BICR Review Reports for assigned review entities, support Credit Review Managers and Senior Managers on cluster and/or global tasks, and present findings and significant deficiencies to Credit Review Portfolio Managers and BICR Senior Management. A telecommuting/hybrid work schedule may be permitted within a commutable distance from the worksite in accordance with Citi policies and protocols. Requirements • Bachelor’s degree in Finance, Accounting, Economics, Business Administration, or a related field, and ten (10) years of experience in credit risk assessment or related occupation performing credit risk assessments and risk rating activities. • The ten (10) years of experience must include: assessing credit quality, underwriting standards, and risk rating accuracy in complex credit portfolios—including commercial and industrial loans, real estate, and structured products; interpreting financial statements, cash‑flow models, and stress‑testing results to identify potential credit weaknesses and recommend mitigative actions; monitoring banking regulations to ensure credit reviews align with regulatory expectations and internal policies; leading review teams, mentoring junior staff, and communicating findings to senior management and stakeholders through detailed reports and presentations; reviewing credit files and documentation, maintaining objectivity to provide unbiased assessments of credit risk without influence from business lines. • In lieu of the advanced degree and tenure, a Master’s degree is acceptable with eight (8) years of experience; pre‑ or post‑Master’s degree experience is also accepted. • 40 hours per week; 20% domestic and international travel required. Salary and Benefits Wage range: $186,000.00 to $203,400.00. In addition to salary, employees may receive discretionary and formulaic incentive and retention awards. Citi offers competitive employee benefits, including medical, dental and vision coverage; 401(k); life, accident, and disability insurance; and wellness programs. Paid time off packages include planned vacation, unplanned sick leave, and paid holidays. Location Irving, TX, United States EEO Statement Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law. If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity, review Accessibility at Citi. View Citi’s EEO Policy Statement and the Know Your Rights poster. #J-18808-Ljbffr